Personal Finance · pricing
Starling Bank pricing
Starling Bank publishes 2 tiers. Below is each one, what it adds over the tier beneath it, and where the ladder stops being worth climbing for most people.
As of 1 September 2026, Starling Bank pricing is free across 2 published tiers. Figures are the vendor's list prices as recorded on this page's last check; the vendor's site is the final word.
- Entry price
- Free
- Model
- Free personal current account; business accounts have free and paid tiers
- Tiers
- 2
- Free tier
- Yes
Starling Bank plans, side by side
Every published tier in ascending order of price, with the number of features each one lists. An absence here means the record does not itemise it, not that the tier lacks it.
| Plan | Price | Features listed | Step up from the tier below |
|---|---|---|---|
| Personal current account | Free | 3 | Entry tier |
| Business Toolkit | £7/month | 3 | +$7/month, 3 more features |
What each tier adds
The set difference between each tier's feature list and the one beneath it. Where a tier lists nothing new, the vendor has either stopped repeating the inherited list or the tier raises limits rather than adding capability, the record does not distinguish the two, so this page does not either.
Personal current account
FreeThe entry tier. It covers free current account with fscs-protected deposits, fee-free foreign currency card spending, no monthly account fee.
Business Toolkit
£7/monthOver Personal current account, this tier adds:
- Integrated invoicing and expense categorisation
- Multiple sub-accounts (Spaces) for tax and VAT setting-aside
- Accounting software integrations
Where Starling Bank stops being free
Personal current account, Free
- Free current account with FSCS-protected deposits
- Fee-free foreign currency card spending
- No monthly account fee
Business Toolkit, £7/month
The first thing you pay for:
- Integrated invoicing and expense categorisation
- Multiple sub-accounts (Spaces) for tax and VAT setting-aside
- Accounting software integrations
What the product covers
The full Starling Bank feature record, grouped as the catalogue groups it. This is the product as a whole; the record does not map every feature onto a specific tier.
Other
- FSCS-protected deposits
- Business banking suite
- Fee-free foreign card spending
- Savings Spaces
- Joint accounts
- Starling mortgages
People bring Starling Bank in for a uk resident wanting a free, fully licensed current account with fscs deposit protection, a sole trader or small business wanting a business account with built-in invoicing rather than a separate accounting subscription, a frequent traveller wanting fee-free card spending abroad on a uk-regulated account, a saver wanting goal-based spaces sub-accounts without opening a separate savings product. If that is not the job you are buying for, the alternatives to Starling Bank are worth a look before you commit to a tier.
How that compares in Personal Finance
Too few personal finance tools in this directory publish a starting price to quote a meaningful median, so the table below is a like-for-like list rather than a ranking.
| Tool | Entry price | Model | Rated | Head to head |
|---|---|---|---|---|
| Starling Bank (this page) | Free | Free personal current account; business accounts have free and paid tiers | - | |
| Monzo | Free | Free core current account; paid Plus and Premium tiers add features | - | vs Starling Bank |
| Revolut | Free | Free standard tier; paid plans add higher limits, insurance and perks | - | vs Starling Bank |
| Strands | On request | quote | - | vs Starling Bank |
| Affirm | Free | Free for short Pay in 4 plans; longer plans carry a disclosed APR up to roughly 36 percent, merchant pays a transaction fee | - | vs Starling Bank |
| Firefly III | Free | Open source, no licence fee | - | vs Starling Bank |
| Lunch Money | $60/year | Pay what you want, annual, above a published minimum | - | vs Starling Bank |
Ratings are aggregated from third-party sources and imported with each catalogue entry, they are not reviews hosted on Softwr. How each figure is used is set out on the Starling Bank badges page.
Before you pay for Starling Bank
Three things this page cannot tell you, and all three change the bill. The record carries a price and a billing period but not the unit - per-seat and flat-rate pricing are indistinguishable in this data, so a five-person team may be looking at five times the figure above. It carries no annual rate, so any discount for paying yearly is not something this page can quote. And it carries no trial length.
What it can tell you is the shape of the ladder: 2 tiers between Free and £7/month, with the jump itemised above. Because there is a free tier, the cheapest way to answer the rest is to use it before paying anything.
Starling Bank runs on ios, android, web, and is published by Starling Bank Limited of London, United Kingdom. The full record is on the Starling Bank review, and the rest of the category is under best personal finance tools.
Starling Bank pricing questions
- How much does Starling Bank cost?
- Starling Bank publishes 2 tiers, from Free for Personal current account up to £7/month for Business Toolkit. The entry tier costs nothing.
- Does Starling Bank have a free plan?
- Yes. The Personal current account tier costs nothing and covers free current account with fscs-protected deposits, fee-free foreign currency card spending, no monthly account fee. Paying starts at £7/month for Business Toolkit.
- What is the difference between Personal current account and Business Toolkit on Starling Bank?
- Business Toolkit costs £7/month against Free, and adds integrated invoicing and expense categorisation, multiple sub-accounts (spaces) for tax and vat setting-aside, accounting software integrations.
- Which personal finance tools can I use without paying?
- 6 of the 8 personal finance tools listed alongside Starling Bank have a free tier: Monzo, Revolut, Affirm, Firefly III, IRS2Go.
- What am I actually paying for with Starling Bank?
- The record lists 6 features across 1 area: other. In practice it is brought in for a uk resident wanting a free, fully licensed current account with fscs deposit protection, a sole trader or small business wanting a business account with built-in invoicing rather than a separate accounting subscription, a frequent traveller wanting fee-free card spending abroad on a uk-regulated account.
- Does Starling Bank charge per user?
- The record carries a price and a billing period for each of its 2 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.
- Are these Starling Bank prices current?
- They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.
- What should I compare Starling Bank against before paying?
- The closest personal finance tools in this directory are Monzo, Revolut, Strands, Affirm. Each has a side-by-side comparison with Starling Bank covering price, platforms and features.